This insurance plan is issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No. 198002116D) and distributed by DBS Bank Ltd ("DBS"). It is not an obligation of, deposit in or guaranteed by DBS. DBS may receive fees or commission from Manulife for marketing or selling their products to you.

This advertisement has not been reviewed by the Monetary Authority of Singapore. You will find the full terms and conditions, details and exclusions for the insurance product in the policy contracts. This is for your information only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. You may wish to seek advice from a financial adviser representative and obtain the product documents to read before making a commitment to purchase a policy. If you choose not to seek advice from a financial adviser representative, you should consider whether the product in question is suitable for you.

Buying a life insurance policy is a long-term commitment. There may be high costs involved if you terminate the policy early, and your policy's surrender value (if any) may be less than the total premiums paid.

A life insurance policy is not a savings or deposit account. Some benefits of the policy may not be guaranteed and you may not get back the premiums paid (partially or in full) if you terminate or surrender the policy before maturity.

This plan is distributed in Singapore by DBS Bank Ltd (Company Registration No.: 196800306E) which is an Exempt Financial Adviser as defined in the Financial Advisers Act and regulated by the Monetary Authority of Singapore.

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact Manulife or visit the Life Insurance Association or SDIC websites ( or